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Best Practices For Quick Approval

Best practices for quick approval

All those years of hard work may have finally paid off. And you might have probably reached a point where getting a house is finally within your reach. But applying for a home mortgage is pretty daunting. You have to go through a long of process just to have your home mortgage application approved. Some first- time homebuyers may even feel intimidated just talking to a lender. Here are some tips to help you get your mortgage application approved.

1. You may enroll all your bills and other expenses in one credit card so that you can pay them in full all the time. Doing so may also give you ample time to pay your credit card. It would also prevent the lenders from seeing what you're spending your money for. However, you have to be careful about this and make sure not to overspend.

2. Do not use up all your credit lines. Using up all your credit and even exceeding your overdraft limit can cost you money. Your bank may charge you for overdraft and return fees as well. This also wouldn't look good to your lender either. Exceeding your limits would only reflect how poorly you handle your finances which may cause your home mortgage application to be rejected. You have to show to the lender that you're responsible enough to handle your finances.

3. Ask your parents or family members to create a letter that says that the amount that they gave you is a gift. This has to be made clear and will act as proof that your funds are legitimate. Any transaction should be backed up by documents to prove their origination.

4. Don't make a deal with a real estate agent and then just stopped responding after a few days. It would only make you look unprofessional and might even jeopardize your mortgage application. So if you ever decide to go on a trip or have some other important things to attend to, make sure to inform the real estate agent about it. Some lenders may even ask you to submit some documents right away and lack of communication may only prolong your home mortgage application process.

You have to be prepared for all the requirements and the paperwork needed to have it processed. You have to prepare all the relevant documents to shorten the home mortgage application processing time. You may want to coordinate with a real estate professional to know more about the process.

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply.
This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

PRMI NMLS 3094. PRMI is an Equal Housing Lender. This is not a commitment to lend. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification.

* Closing costs and fees may apply.

Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or text messages from our agents or representatives calling on our behalf, you expressly consent to be contacted for any purposes relating to your loan at any telephone number, or physical or electronic address you have provided. By submitting your information, you agree we may contact you in any way, including SMS messages, calls using prerecorded messages or artificial voice, and calls and messages delivered using an auto dialing system or an automatic texting system. You may contact Privacy@primeres.com or Compliance@primeres.com to opt out at any time. You may also contact us by phone 1-800-255-2792 ext. 1000025